10% accelerated cashback on dining, food delivery, and groceries with domestic lounge access.
Dining Enthusiasts, Food Delivery & Supermarket Grocery Shoppers
₹999
One-time upfront₹999
Waived on ₹2 lakh annual spend10% on dining, food delivery, groceries, shopping, utilities (up to ₹1,200/cycle), 1.5% unlimited elsewhere
On eligible spends1 Domestic visits/quarter + 1 International visits/year
Complimentary visitsLast verified 15 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The HSBC Live+ Credit Card (rebranded from the HSBC Cashback Card) is one of India's most rewarding credit cards for everyday spending. Cardholders earn 10% accelerated statement cashback on dining out, food delivery apps (Swiggy, Zomato), supermarket and quick-commerce grocery platforms (Blinkit, Zepto, DMart, Reliance Smart, BigBasket), shopping, and utility bill payments. The accelerated category cashback is capped at a combined ₹1,200 per statement cycle, allowing cardholders to earn up to ₹14,400 per year on accelerated spends. All other eligible retail transactions earn an unlimited 1.5% base cashback, credited automatically to your statement. The card also features 2 complimentary domestic airport lounge visits per calendar year (maximum 1 in each 6-month period), 1 complimentary international airport lounge visit per calendar year (valid until 31 August 2027), and a low 1.99% foreign currency markup fee. Annual fee is ₹999 + GST, reversed on ₹2,00,000 annual spend. Who it is best for: Urban professionals and families spending across dining, groceries, shopping, and utilities who want simple, direct statement cashback. Who should avoid it: Spenders whose primary outlays are fuel, rent, education, and wallet loads.
10% Cashback on Dining, Food Delivery, Groceries, Shopping & Utilities (up to ₹1,200/Month). 1.5% Unlimited Cashback on All Other Eligible Spends
₹1,000 Cashback on Spending ₹25,000 Within 30 Days + HSBC Mobile App Login. ₹750 Voucher for Amazon Pay, Zomato, or Swiggy on First Transaction of ₹300+ (Limited-Time Visa Offer)
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining & Food Delivery (Swiggy, Zomato, Restaurants) | 10% statement cashback on dining & food delivery (shared monthly cap ₹1,200) | 1,200 INR (₹) / statement cycle | Standard terms apply |
| Groceries & Supermarkets (Blinkit, Zepto, DMart, Reliance Smart, BigBasket) | 10% statement cashback on grocery purchases (shared monthly cap ₹1,200) | 1,200 INR (₹) / statement cycle | Standard terms apply |
| Shopping Spends | 10% statement cashback on eligible shopping purchases (shared monthly cap ₹1,200) | 1,200 INR (₹) / statement cycle | Standard terms apply |
| Utility Bill Payments | 10% statement cashback on utility bill payments (shared monthly cap ₹1,200) | 1,200 INR (₹) / statement cycle | Standard terms apply |
| All Other Eligible Retail Spends | 1.5% unlimited statement cashback on all other eligible retail purchases | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Dining & Food Delivery (Swiggy, Zomato, Restaurants) | ₹3,000 | 10% statement cashback on dining & food delivery (shared monthly cap ₹1,200) | — | ₹1,200/statement_cycle | Calculating... | Under cap |
| Groceries & Supermarkets (Blinkit, Zepto, DMart, Reliance Smart, BigBasket) | ₹3,000 | 10% statement cashback on grocery purchases (shared monthly cap ₹1,200) | — | ₹1,200/statement_cycle | Calculating... | Under cap |
| Shopping Spends | ₹3,000 | 10% statement cashback on eligible shopping purchases (shared monthly cap ₹1,200) | — | ₹1,200/statement_cycle | Calculating... | Under cap |
| Utility Bill Payments | ₹3,000 | 10% statement cashback on utility bill payments (shared monthly cap ₹1,200) | — | ₹1,200/statement_cycle | Calculating... | Under cap |
| All Other Eligible Retail Spends | ₹18,000 | 1.5% unlimited statement cashback on all other eligible retail purchases | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Accelerated Cashback: 10% statement cashback on Dining, Food Delivery (Swiggy, Zomato), Groceries (Blinkit, Zepto, DMart, BigBasket, Reliance Smart, etc.), Shopping, and Utilities. Accelerated Cashback Cap: Capped at a combined ₹1,200 per billing cycle across accelerated categories. Spends beyond the cap in these categories do not earn cashback; separate non-accelerated eligible retail spends earn 1.5% unlimited base cashback. Base Cashback: 1.5% unlimited statement cashback on all other eligible retail spending with no upper ceiling. Lounge Access: 2 complimentary domestic airport lounge visits per calendar year (maximum 1 complimentary visit in each 6-month period) and 1 complimentary international airport lounge visit per calendar year (terms valid until 31 August 2027). Forex Markup: 1.99% foreign currency markup. Fee & Waiver: Joining fee ₹999 + GST; annual renewal fee ₹999 + GST. Annual fee waived on ₹2,00,000 cumulative retail spend in the preceding calendar year. Exclusions: Fuel transactions, wallet reloads, rent payments, educational services, government payments, and cash advances do not earn cashback.
Evaluate whether this card's perks and waiver threshold justify its ₹999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding HSBC Live+ Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official HSBC India portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
SBI Card and Eternal have launched the Eternal SBI Card with discounts across Zomato, Blinkit, District and Bistro, plus cashback on Uber, ixigo, Urban Company and Apollo 24|7. The card was officially announced on 15 October 2026. Early-access registration is open, while applications are scheduled to begin from 22 October 2026 in phases.
HDFC Regalia Gold spent years as one of HDFC Bank's easiest premium cards to justify. After reward reductions, spend-gated lounges, and Boarding Edge, we calculate real returns from ₹3L to ₹7.5L spend.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Airtel Subscribers, Utility Bill Payers & Routine Food Delivery
Rewards: 25% on Airtel, 10% on utilities, 10% on Swiggy/Zomato/BigBasket, 1% others
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Last verified 2 Oct 2026
Best for: Young salaried professionals, e-commerce shoppers, and urban families looking for direct 5% cash statement credit across major digital platforms.
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Swiggy HDFC Bank Credit Card
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Rewards: 10% on Swiggy, 5% on 1,000+ online partner apps, 1% elsewhere
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Best for: Utility Bill Payers, Google Pay Users & Everyday Dining, Grocery and Cab Spenders
Rewards: 5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5% elsewhere
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Federal Bank Visa Celesta Credit Card
Best for: Discerning cardholders seeking lifetime-free or premium relationship lifestyle privileges with airport lounge access.
Rewards: 1x rewards for other categories
Lounge access: 2 Domestic visits/quarter + 2 International visits/year · ₹60k quarterly spend required (Domestic)
Forex markup: 2% Low Forex
Renewal fee waived on ₹3,00,000 annual spend
Last verified 3 Oct 2026
Federal Bank Visa Imperio Credit Card
Best for: Salaried individuals and families looking for a zero-fee card for everyday retail, groceries, and occasional domestic travel.
Rewards: 1x rewards for other categories
Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 3 Oct 2026
HDFC Regalia Gold spent years as one of HDFC Bank's easiest premium cards to justify. After reward reductions, spend-gated lounges, and Boarding Edge, we calculate real returns from ₹3L to ₹7.5L spend.
